Checking Accounts

Centennial Bank checking accounts are designed with today's lifestyles in mind. Whether you prefer fast electronic banking on the go, desire added protection from ID Protect and AD&D Insurance or want an account that pays interest, we have a product with benefits to suit your needs. To decide which one is right for you, read the options available, and then drop into your local Centennial branch and let a friendly team member assist you with your choice.

Download a printable brochure of our different Checking Accounts or open your new account online. To learn more about the Centennial Bank Health Savings Account click here.


Personal Checking Products

 

  Centennial Club Checking Freedom Checking Diamond Checking
For Customers age 50+
Opportunity 100 Checking
For those looking to re-establish a banking relationship
Simply 100 Checking
What is the Minimum Amount to Open? $100 $100 $100 $100 $25
What is the Minimum Daily Balance to Avoid a Service Charge? No Minimum No Minimum No Minimum No Minimum No Minimum
What is My Monthly Service Charge? $6.95 $5.00 if account requirements of eStatement are not met No Service Fee $9.95 w/ direct deposit
$12.95 w/o direct deposit
$4.95
Is There a Limit on the Number of Transactions Per Month? No Limit No Limit No Limit No Limit No Limit
Do I Earn Interest? No No Yes No No
What Other Benefits Do I Receive?
  • Free Notary Service
  • Half-Price Safe Deposit Box
  • Free Statement Binder
  • Free Instant-Issue Debit Card*
  • Save ATM Receipts, Save Money**
  • $10,000 AD&D Insurance, including $1,000 Dependent Grandchild Coverage2
  • Identity Theft Monitoring and Protection12
  • 3 in 1 Credit Bureau monitoring and Credit Report
  • Cellular Telephone Protection4
  • Cash Back Members Reward3
  • Entertainment and Travel Discounts
  • View Full Account Benefits and Requirements
  • Free Statement Binder
  • Free Instant-Issue Debit Card*
  • Free Mobile Banking***
  • Free Iphone®/Android™ App
  • Free Online Banking
  • Free Coin Machine Transactions+
  • Free Basic Bill Pay
  • Save ATM Receipts, Save Money**
  • Free Statement Binder
  • Free Instant-Issue Debit Card*
  • Free Mobile Banking***
  • Free Iphone®/Android™ App
  • Free Online Banking
  • Free Coin Machine Transactions+
  • Free Basic Bill Pay
  • Save ATM Receipts, Save Money**
  • Free Statement Binder
  • Free Instant-Issue Debit Card*
  • Free Mobile Banking***
  • Free Iphone®/Android™ App
  • Free Online Banking
  • Free Coin Machine Transactions+
  • Free Basic Bill Pay
  • Save ATM Receipts, Save Money**
  • Free Statement Binder
  • Free Instant-Issue Debit Card*
  • Free Mobile Banking***
  • Free Iphone®/Android™ App
  • Free Online Banking
  • Free Coin Machine Transactions+
  • Free Nationwide ATM's. No Receipt Needed.**
Additional Information Some Features Require Activation eStatements Required   No Overdraft Protection
  • Checkless Account - Electronic transaction processing only.
  • Paper checks, check processing, and Online Bill Pay are unavailable with this account.
  • No Overdraft Protection

* Debit card replacement fees apply
** Present ATM receipts to a teller or banker for reimbursement of ATM fees within 60 days of transaction. (Excludes Simply 100 Checking which receives reimbursement automatically, without providing receipt.)
***Some restrictions may apply. Messaging and data rates may apply from your wireless carrier
+ Not available in all locations
1 IDProtect® service is a personal identity theft protection service available to personal checking account owners, their joint account owners and their eligible family members. The service is available to non-publicly traded business and their business owner(s) listed on the account and their eligible family members (service not available to employee, clubs and/or churches and their members, schools and their employees/students). For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s). For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member (Fiduciary is not covered). Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.
2 Identity theft insurance underwritten by insurance company subsidiaries or affiliates of Chartis Inc. Accidental Death & Dismemberment Insurance underwritten by Plateau Insurance Company of Crossville, TN. Dependent Grandchildren defined as Insured’s unmarried grandchildren under age 19 (26 if attending an accredited institution of higher learning on a full time basis) and primarily dependent on the Insured for support and maintenance. The descriptions herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policy described. Please refer to each respective actual policy for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions
3 Terms and Conditions apply. Visit my100bank.com to view Terms and Conditions details
4 Cellular telephone bill must be paid through this account. Special Insurance Program Notes: the descriptions herein are summaries only. They do not include all terms, conditions, and exclusions of the policies described. Pease refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance.

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DISCLAIMER: These products are not a deposit, not FDIC insured, not guaranteed by the Bank, may lose value, including loss of principal.